Feature Engineered Lending Club Data Profile Report

Dataset statistics

Number of variables	23
Number of observations	10000
Missing cells	0
Missing cells (%)	0.0%
Duplicate rows	0
Duplicate rows (%)	0.0%
Total size in memory	5.6 MiB
Average record size in memory	586.2 B

Variable types

NUM	13
CAT	8
BOOL	2

Reproduction

Analysis started	2020-11-06 04:07:08.966736
Analysis finished	2020-11-06 04:08:00.302105
Version	pandas-profiling v2.6.0
Command line	`pandas_profiling --config_file config.yaml [YOUR_FILE.csv]`
Download configuration	config.yaml

`emp_length` has 250 (2.5%) zeros	Zeros
`delinq_2yrs` has 8915 (89.1%) zeros	Zeros
`inq_last_6mths` has 4607 (46.1%) zeros	Zeros
`mths_since_last_delinq` has 6479 (64.8%) zeros	Zeros
`mths_since_last_record` has 267 (2.7%) zeros	Zeros
`revol_bal` has 278 (2.8%) zeros	Zeros
`revol_util` has 254 (2.5%) zeros	Zeros

is_bad
Boolean

Distinct count	2
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

0	8705
1	1295

Frequency Table

Value	Count	Frequency (%)
0	8705	87.1%
1	1295	13.0%

emp_length
Real number (ℝ_≥0)

ZEROS

Distinct count	11
Unique (%)	0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	1.561873741
Minimum	0
Maximum	2.397895273
Zeros	250
Zeros (%)	2.5%
Memory size	78.2 KiB

Quantile statistics

Minimum	0
5-th percentile	0.6931471806
Q1	1.098612289
median	1.609437912
Q3	2.197224577
95-th percentile	2.397895273
Maximum	2.397895273
Range	2.397895273
Interquartile range (IQR)	1.098612289

Descriptive statistics

Standard deviation	0.6738534717
Coefficient of variation (CV)	0.4314391451
Kurtosis	-1.064658501
Mean	1.561873741
Median Absolute Deviation (MAD)	0.5850798667
Skewness	-0.2784256782
Sum	15618.73741
Variance	0.4540785013

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[0. 0.34657359 1.49786614 1.86883481 2.35024018 2.39789527], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
2.397895273	2168	21.7%
0.6931471806	2083	20.8%
1.098612289	1183	11.8%
1.386294361	1010	10.1%
1.609437912	889	8.9%
1.791759469	779	7.8%
1.945910149	535	5.3%
2.079441542	421	4.2%
2.197224577	351	3.5%
2.302585093	331	3.3%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	250	2.5%
0.6931471806	2083	20.8%
1.098612289	1183	11.8%
1.386294361	1010	10.1%
1.609437912	889	8.9%

Value	Count	Frequency (%)
2.397895273	2168	21.7%
2.302585093	331	3.3%
2.197224577	351	3.5%
2.079441542	421	4.2%
1.945910149	535	5.3%

home_ownership
Categorical

Distinct count	5
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

rent	4745
mortgage	4445
own	775
other	34
none	1

Value	Count	Frequency (%)
rent	4745	47.4%
mortgage	4445	44.5%
own	775	7.8%
other	34	0.3%
none	1	< 0.1%

Length

Max length	8
Mean length	5.7039
Min length	3

Value	Count	Frequency (%)
Lowercase_Letter	10	100.0%

Value	Count	Frequency (%)
Latin	10	100.0%

Value	Count	Frequency (%)
ASCII	10	100.0%

annual_inc
Real number (ℝ_≥0)

Distinct count	1901
Unique (%)	19.0%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	10.96245435
Minimum	7.601402335
Maximum	13.71015115
Zeros	0
Zeros (%)	0.0%
Memory size	78.2 KiB

Quantile statistics

Minimum	7.601402335
5-th percentile	10.07525073
Q1	10.59665973
median	10.96821553
Q3	11.31448672
95-th percentile	11.87427119
Maximum	13.71015115
Range	6.108748819
Interquartile range (IQR)	0.7178269885

Descriptive statistics

Standard deviation	0.5693905148
Coefficient of variation (CV)	0.05194005798
Kurtosis	1.159760395
Mean	10.96245435
Median Absolute Deviation (MAD)	0.4387573392
Skewness	0.01283349875
Sum	109624.5435
Variance	0.3242055584

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[ 7.60140233 8.3285876 9.13735675 9.38518907 9.40264576 ... 12.43912147 12.60313756 12.61486335 12.9479415 13.71015115], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
11.00211651	381	3.8%
10.81979828	267	2.7%
10.59665973	222	2.2%
11.22525673	213	2.1%
10.30898599	211	2.1%
11.08215793	204	2.0%
10.77897712	196	2.0%
11.15626481	193	1.9%
10.71443999	181	1.8%
11.28979441	170	1.7%
Other values (1891)	7762	77.6%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
7.601402335	1	< 0.1%
8.314097335	1	< 0.1%
8.343077871	2	< 0.1%
8.476579509	2	< 0.1%
8.517393171	2	< 0.1%

Value	Count	Frequency (%)
13.71015115	2	< 0.1%
13.66468883	1	< 0.1%
13.56705048	1	< 0.1%
13.51979766	1	< 0.1%
13.49392831	1	< 0.1%

verification_status
Categorical

Distinct count	3
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

not verified	4367
verified - income	3214
verified - income source	2419

Value	Count	Frequency (%)
not verified	4367	43.7%
verified - income	3214	32.1%
verified - income source	2419	24.2%

Length

Max length	24
Mean length	16.5098
Min length	12

Value	Count	Frequency (%)
Lowercase_Letter	13	86.7%
Space_Separator	1	6.7%
Dash_Punctuation	1	6.7%

Value	Count	Frequency (%)
Latin	13	86.7%
Common	2	13.3%

Value	Count	Frequency (%)
ASCII	15	100.0%

pymnt_plan
Boolean

Distinct count	2
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

n	9998
y	2

Frequency Table

Value	Count	Frequency (%)
n	9998	> 99.9%
y	2	< 0.1%

purpose_cat
Categorical

Distinct count	27
Unique (%)	0.3%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

debt consolidation	4454
credit card	1273
other	1026
home improvement	800
major purchase	546
Other values (22)	1901

Value	Count	Frequency (%)
debt consolidation	4454	44.5%
credit card	1273	12.7%
other	1026	10.3%
home improvement	800	8.0%
major purchase	546	5.5%
small business	461	4.6%
car	349	3.5%
wedding	250	2.5%
medical	183	1.8%
moving	159	1.6%
Other values (17)	499	5.0%

Length

Max length	33
Mean length	13.9381
Min length	3

Value	Count	Frequency (%)
Lowercase_Letter	21	95.5%
Space_Separator	1	4.5%

Value	Count	Frequency (%)
Latin	21	95.5%
Common	1	4.5%

Value	Count	Frequency (%)
ASCII	22	100.0%

addr_state
Categorical

Distinct count	50
Unique (%)	0.5%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

ca	1748
ny	958
fl	714
tx	700
nj	482
Other values (45)	5398

Value	Count	Frequency (%)
ca	1748	17.5%
ny	958	9.6%
fl	714	7.1%
tx	700	7.0%
nj	482	4.8%
va	392	3.9%
il	386	3.9%
pa	378	3.8%
ga	357	3.6%
ma	331	3.3%
Other values (40)	3554	35.5%

Length

Max length	2
Mean length	2
Min length	2

Value	Count	Frequency (%)
Lowercase_Letter	24	100.0%

Value	Count	Frequency (%)
Latin	24	100.0%

Value	Count	Frequency (%)
ASCII	24	100.0%

debt_to_income
Real number (ℝ_≥0)

Distinct count	2585
Unique (%)	25.9%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	13.338704
Minimum	0
Maximum	29.99
Zeros	58
Zeros (%)	0.6%
Memory size	78.2 KiB

Quantile statistics

Minimum	0
5-th percentile	2.129
Q1	8.16
median	13.41
Q3	18.6925
95-th percentile	23.93
Maximum	29.99
Range	29.99
Interquartile range (IQR)	10.5325

Descriptive statistics

Standard deviation	6.754211507
Coefficient of variation (CV)	0.5063619004
Kurtosis	-0.8546793248
Mean	13.338704
Median Absolute Deviation (MAD)	5.669516109
Skewness	-0.008777611376
Sum	133387.04
Variance	45.61937308

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[ 0. 0.055 0.195 3.395 7.675 20.325 22.835 24.965 26.885 29.99 ], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
0	58	0.6%
12.48	16	0.2%
13.51	13	0.1%
10	13	0.1%
19.2	13	0.1%
18.14	13	0.1%
4.8	12	0.1%
17.82	12	0.1%
15.38	12	0.1%
22.43	12	0.1%
Other values (2575)	9826	98.3%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	58	0.6%
0.11	1	< 0.1%
0.12	1	< 0.1%
0.13	1	< 0.1%
0.14	2	< 0.1%

Value	Count	Frequency (%)
29.99	1	< 0.1%
29.93	1	< 0.1%
29.92	1	< 0.1%
29.83	1	< 0.1%
29.74	1	< 0.1%

delinq_2yrs
Real number (ℝ_≥0)

ZEROS

Distinct count	10
Unique (%)	0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	0.08913850185
Minimum	0
Maximum	2.48490665
Zeros	8915
Zeros (%)	89.1%
Memory size	78.2 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	0
median	0
Q3	0
95-th percentile	0.6931471806
Maximum	2.48490665
Range	2.48490665
Interquartile range (IQR)	0

Descriptive statistics

Standard deviation	0.2688248344
Coefficient of variation (CV)	3.015810552
Kurtosis	10.21328108
Mean	0.08913850185
Median Absolute Deviation (MAD)	0.1589339488
Skewness	3.152153266
Sum	891.3850185
Variance	0.07226679162

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[0. 0.34657359 0.89587973 1.24245332 1.49786614 1.86883481 2.48490665], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
0	8915	89.1%
0.6931471806	822	8.2%
1.098612289	186	1.9%
1.386294361	50	0.5%
1.609437912	14	0.1%
1.791759469	6	0.1%
1.945910149	3	< 0.1%
2.079441542	2	< 0.1%
2.197224577	1	< 0.1%
2.48490665	1	< 0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	8915	89.1%
0.6931471806	822	8.2%
1.098612289	186	1.9%
1.386294361	50	0.5%
1.609437912	14	0.1%

Value	Count	Frequency (%)
2.48490665	1	< 0.1%
2.197224577	1	< 0.1%
2.079441542	2	< 0.1%
1.945910149	3	< 0.1%
1.791759469	6	0.1%

inq_last_6mths
Real number (ℝ_≥0)

ZEROS

Distinct count	20
Unique (%)	0.2%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	0.5437069499
Minimum	0
Maximum	3.258096538
Zeros	4607
Zeros (%)	46.1%
Memory size	78.2 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	0
median	0.6931471806
Q3	1.098612289
95-th percentile	1.609437912
Maximum	3.258096538
Range	3.258096538
Interquartile range (IQR)	1.098612289

Descriptive statistics

Standard deviation	0.5739829645
Coefficient of variation (CV)	1.055684436
Kurtosis	-0.4749831683
Mean	0.5437069499
Median Absolute Deviation (MAD)	0.5009715837
Skewness	0.6386035865
Sum	5437.069499
Variance	0.3294564436

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[0. 0.34657359 0.89587973 1.24245332 1.49786614 1.86883481 2.01267585 2.24990484 2.35024018 3.25809654], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
0	4607	46.1%
0.6931471806	2684	26.8%
1.098612289	1431	14.3%
1.386294361	731	7.3%
1.609437912	227	2.3%
1.791759469	152	1.5%
1.945910149	76	0.8%
2.079441542	42	0.4%
2.197224577	27	0.3%
2.302585093	10	0.1%
Other values (10)	13	0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	4607	46.1%
0.6931471806	2684	26.8%
1.098612289	1431	14.3%
1.386294361	731	7.3%
1.609437912	227	2.3%

Value	Count	Frequency (%)
3.258096538	1	< 0.1%
3.218875825	1	< 0.1%
2.944438979	2	< 0.1%
2.890371758	1	< 0.1%
2.833213344	1	< 0.1%

mths_since_last_delinq
Real number (ℝ_≥0)

ZEROS

Distinct count	91
Unique (%)	0.9%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	1.211956373
Minimum	0
Maximum	4.795790546
Zeros	6479
Zeros (%)	64.8%
Memory size	78.2 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	0
median	0
Q3	3.17805383
95-th percentile	4.189654742
Maximum	4.795790546
Range	4.795790546
Interquartile range (IQR)	3.17805383

Descriptive statistics

Standard deviation	1.699849176
Coefficient of variation (CV)	1.402566309
Kurtosis	-1.224158213
Mean	1.211956373
Median Absolute Deviation (MAD)	1.571733034
Skewness	0.7866357636
Sum	12119.56373
Variance	2.889487221

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[0. 0.34657359 0.89587973 1.24245332 1.86883481 ... 2.86179255 3.15677402 3.51143404 4.4248287 4.79579055], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
0	6479	64.8%
3.433987204	69	0.7%
3.555348061	66	0.7%
3.663561646	65	0.7%
3.17805383	65	0.7%
3.218875825	64	0.6%
3.80666249	64	0.6%
3.526360525	63	0.6%
3.044522438	63	0.6%
2.944438979	61	0.6%
Other values (81)	2941	29.4%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	6479	64.8%
0.6931471806	6	0.1%
1.098612289	29	0.3%
1.386294361	40	0.4%
1.609437912	37	0.4%

Value	Count	Frequency (%)
4.795790546	1	< 0.1%
4.753590191	1	< 0.1%
4.584967479	1	< 0.1%
4.574710979	1	< 0.1%
4.564348191	1	< 0.1%

mths_since_last_record
Real number (ℝ_≥0)

ZEROS

Distinct count	94
Unique (%)	0.9%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	4.641291617
Minimum	0
Maximum	4.787491743
Zeros	267
Zeros (%)	2.7%
Memory size	78.2 KiB

Quantile statistics

Minimum	0
5-th percentile	4.521788577
Q1	4.787491743
median	4.787491743
Q3	4.787491743
95-th percentile	4.787491743
Maximum	4.787491743
Range	4.787491743
Interquartile range (IQR)	0

Descriptive statistics

Standard deviation	0.7769844026
Coefficient of variation (CV)	0.1674069347
Kurtosis	31.06395734
Mean	4.641291617
Median Absolute Deviation (MAD)	0.2707703644
Skewness	-5.708959044
Sum	46412.91617
Variance	0.6037047619

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[0. 0.97295507 2.9674471 3.63723978 3.99815862 4.43659395 4.46012771 4.78330762 4.78749174], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
4.787491743	9163	91.6%
0	267	2.7%
4.49980967	21	0.2%
4.762173935	18	0.2%
4.465908119	17	0.2%
4.477336814	17	0.2%
4.532599493	17	0.2%
4.744932128	16	0.2%
4.615120517	16	0.2%
4.65396035	16	0.2%
Other values (84)	432	4.3%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	267	2.7%
1.945910149	1	< 0.1%
2.48490665	1	< 0.1%
2.890371758	1	< 0.1%
3.044522438	2	< 0.1%

Value	Count	Frequency (%)
4.787491743	9163	91.6%
4.779123493	11	0.1%
4.770684624	10	0.1%
4.762173935	18	0.2%
4.753590191	10	0.1%

open_acc
Real number (ℝ_≥0)

Distinct count	36
Unique (%)	0.4%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	2.241761756
Minimum	0.6931471806
Maximum	3.688879454
Zeros	0
Zeros (%)	0.0%
Memory size	78.2 KiB

Quantile statistics

Minimum	0.6931471806
5-th percentile	1.386294361
Q1	1.945910149
median	2.302585093
Q3	2.564949357
95-th percentile	2.944438979
Maximum	3.688879454
Range	2.995732274
Interquartile range (IQR)	0.6190392084

Descriptive statistics

Standard deviation	0.439900357
Coefficient of variation (CV)	0.1962297536
Kurtosis	-0.07499054695
Mean	2.241761756
Median Absolute Deviation (MAD)	0.3524184816
Skewness	-0.2090961395
Sum	22417.61756
Variance	0.1935123241

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[0.69314718 0.89587973 1.24245332 1.49786614 1.70059869 ... 3.02012736 3.11326833 3.2769667 3.44986155 3.68887945], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
2.079441542	1035	10.3%
1.945910149	990	9.9%
2.197224577	937	9.4%
2.302585093	934	9.3%
2.397895273	805	8.1%
1.791759469	763	7.6%
2.48490665	692	6.9%
1.609437912	631	6.3%
2.564949357	577	5.8%
2.63905733	487	4.9%
Other values (26)	2149	21.5%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0.6931471806	7	0.1%
1.098612289	163	1.6%
1.386294361	374	3.7%
1.609437912	631	6.3%
1.791759469	763	7.6%

Value	Count	Frequency (%)
3.688879454	1	< 0.1%
3.610917913	2	< 0.1%
3.583518938	1	< 0.1%
3.526360525	3	< 0.1%
3.496507561	1	< 0.1%

pub_rec
Categorical

Distinct count	4
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

0	9427
0.6931471806	550
1.098612289	18
1.386294361	5

Value	Count	Frequency (%)
0	9427	94.3%
0.6931471806	550	5.5%
1.098612289	18	0.2%
1.386294361	5	0.1%

Length

Max length	18
Mean length	3.8595
Min length	3

Value	Count	Frequency (%)
Decimal_Number	10	90.9%
Other_Punctuation	1	9.1%

Value	Count	Frequency (%)
Common	11	100.0%

Value	Count	Frequency (%)
ASCII	11	100.0%

revol_bal
Real number (ℝ_≥0)

ZEROS

Distinct count	8130
Unique (%)	81.3%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	8.665349596
Minimum	0
Maximum	14.00394672
Zeros	278
Zeros (%)	2.8%
Memory size	78.2 KiB

Quantile statistics

Minimum	0
5-th percentile	5.631032248
Q1	8.167777519
median	9.064909879
Q3	9.738214835
95-th percentile	10.70449851
Maximum	14.00394672
Range	14.00394672
Interquartile range (IQR)	1.570437316

Descriptive statistics

Standard deviation	1.964604275
Coefficient of variation (CV)	0.2267195631
Kurtosis	8.594573757
Mean	8.665349596
Median Absolute Deviation (MAD)	1.250096946
Skewness	-2.538633482
Sum	86653.49596
Variance	3.859669956

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[ 0. 0.34657359 2.44140096 4.74056529 5.47226185 ... 10.76851656 11.16428945 11.70020365 12.05977432 14.00394672], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
0	278	2.8%
7.708859601	6	0.1%
7.475339237	6	0.1%
6.634633358	5	0.1%
8.476787777	5	0.1%
9.361257257	5	0.1%
7.98480339	4	< 0.1%
5.693732139	4	< 0.1%
5.620400866	4	< 0.1%
5.96100534	4	< 0.1%
Other values (8120)	9679	96.8%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	278	2.8%
0.6931471806	2	< 0.1%
1.386294361	2	< 0.1%
1.791759469	1	< 0.1%
1.945910149	2	< 0.1%

Value	Count	Frequency (%)
14.00394672	1	< 0.1%
13.30887614	1	< 0.1%
13.14012864	1	< 0.1%
13.09723017	1	< 0.1%
12.95557653	1	< 0.1%

revol_util
Real number (ℝ_≥0)

ZEROS

Distinct count	1027
Unique (%)	10.3%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	48.451419
Minimum	0
Maximum	100.6
Zeros	254
Zeros (%)	2.5%
Memory size	78.2 KiB

Quantile statistics

Minimum	0
5-th percentile	2.8
Q1	25
median	48.7
Q3	71.8
95-th percentile	93.6
Maximum	100.6
Range	100.6
Interquartile range (IQR)	46.8

Descriptive statistics

Standard deviation	28.18384582
Coefficient of variation (CV)	0.5816928874
Kurtosis	-1.094338897
Mean	48.451419
Median Absolute Deviation (MAD)	24.0658605
Skewness	-0.01681450313
Sum	484514.19
Variance	794.3291651

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[0.000e+00 1.500e-02 6.500e-02 1.100e-01 2.365e+01 ... 4.875e+01 8.555e+01 9.795e+01 9.995e+01 1.006e+02], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
0	254	2.5%
48.7	34	0.3%
46.6	21	0.2%
43.4	20	0.2%
0.1	20	0.2%
55.4	19	0.2%
70	19	0.2%
47.6	19	0.2%
53.6	19	0.2%
56.8	19	0.2%
Other values (1017)	9556	95.6%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	254	2.5%
0.03	1	< 0.1%
0.1	20	0.2%
0.12	1	< 0.1%
0.2	11	0.1%

Value	Count	Frequency (%)
100.6	1	< 0.1%
100	1	< 0.1%
99.9	4	< 0.1%
99.8	5	0.1%
99.7	3	< 0.1%

total_acc
Real number (ℝ_≥0)

Distinct count	75
Unique (%)	0.8%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	2.997662856
Minimum	0.6931471806
Maximum	4.510859507
Zeros	0
Zeros (%)	0.0%
Memory size	78.2 KiB

Quantile statistics

Minimum	0.6931471806
5-th percentile	1.945910149
Q1	2.63905733
median	3.044522438
Q3	3.401197382
95-th percentile	3.80666249
Maximum	4.510859507
Range	3.817712326
Interquartile range (IQR)	0.762140052

Descriptive statistics

Standard deviation	0.5501983497
Coefficient of variation (CV)	0.1835424383
Kurtosis	0.007111528285
Mean	2.997662856
Median Absolute Deviation (MAD)	0.4413015679
Skewness	-0.4832304342
Sum	29976.62856
Variance	0.302718224

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[0.69314718 1.24245332 1.49786614 1.70059869 1.86883481 ... 3.90192165 3.99815862 4.1510089 4.16663518 4.51085951], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
2.772588722	369	3.7%
3.044522438	365	3.6%
2.890371758	360	3.6%
2.564949357	357	3.6%
2.708050201	351	3.5%
2.995732274	346	3.5%
2.833213344	340	3.4%
2.944438979	339	3.4%
2.63905733	331	3.3%
3.135494216	329	3.3%
Other values (65)	6513	65.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0.6931471806	3	< 0.1%
1.098612289	10	0.1%
1.386294361	58	0.6%
1.609437912	115	1.1%
1.791759469	144	1.4%

Value	Count	Frequency (%)
4.510859507	1	< 0.1%
4.406719247	1	< 0.1%
4.394449155	1	< 0.1%
4.382026635	1	< 0.1%
4.369447852	1	< 0.1%

initial_list_status
Categorical

Distinct count	2
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

f	9983
m	17

Value	Count	Frequency (%)
f	9983	99.8%
m	17	0.2%

Length

Max length	1
Mean length	1
Min length	1

Value	Count	Frequency (%)
Lowercase_Letter	2	100.0%

Value	Count	Frequency (%)
Latin	2	100.0%

Value	Count	Frequency (%)
ASCII	2	100.0%

mths_since_last_major_derog
Categorical

Distinct count	3
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

1.098612289	3424
1.386294361	3299
0.6931471806	3277

Value	Count	Frequency (%)
1.098612289	3424	34.2%
1.386294361	3299	33.0%
0.6931471806	3277	32.8%

Length

Max length	18
Mean length	18
Min length	18

Value	Count	Frequency (%)
Decimal_Number	10	90.9%
Other_Punctuation	1	9.1%

Value	Count	Frequency (%)
Common	11	100.0%

Value	Count	Frequency (%)
ASCII	11	100.0%

policy_code
Categorical

Distinct count	5
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

pc3	2098
pc5	2025
pc1	1978
pc2	1962
pc4	1937

Value	Count	Frequency (%)
pc3	2098	21.0%
pc5	2025	20.2%
pc1	1978	19.8%
pc2	1962	19.6%
pc4	1937	19.4%

Length

Max length	3
Mean length	3
Min length	3

Value	Count	Frequency (%)
Decimal_Number	5	71.4%
Lowercase_Letter	2	28.6%

Value	Count	Frequency (%)
Common	5	71.4%
Latin	2	28.6%

Value	Count	Frequency (%)
ASCII	7	100.0%

cr_line_yrs
Real number (ℝ_≥0)

Distinct count	50
Unique (%)	0.5%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	7.599902149
Minimum	7.586296307
Maximum	7.635303886
Zeros	0
Zeros (%)	0.0%
Memory size	78.2 KiB

Quantile statistics

Minimum	7.586296307
5-th percentile	7.593374193
Q1	7.598399329
median	7.600402335
Q3	7.60190196
95-th percentile	7.604396349
Maximum	7.635303886
Range	0.04900757911
Interquartile range (IQR)	0.003502630551

Descriptive statistics

Standard deviation	0.003860579862
Coefficient of variation (CV)	0.0005079775747
Kurtosis	20.53110444
Mean	7.599902149
Median Absolute Deviation (MAD)	0.002623110056
Skewness	1.673860451
Sum	75999.02149
Variance	1.490407687e-05

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[7.58629631 7.58908285 7.59211392 7.59312224 7.59463281 ... 7.60514342 7.61573756 7.63118889 7.6340954 7.63530389], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
7.601402335	839	8.4%
7.600402335	753	7.5%
7.60090246	715	7.1%
7.60190196	642	6.4%
7.599901959	601	6.0%
7.599401333	592	5.9%
7.598900457	518	5.2%
7.598399329	513	5.1%
7.602401336	503	5.0%
7.602900462	455	4.5%
Other values (40)	3869	38.7%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
7.586296307	14	0.1%
7.586803535	11	0.1%
7.587310506	13	0.1%
7.58781722	18	0.2%
7.588323677	14	0.1%

Value	Count	Frequency (%)
7.635303886	9	0.1%
7.634820678	7	0.1%
7.634337236	6	0.1%
7.63385356	2	< 0.1%
7.63336965	2	< 0.1%

cr_line_mths
Real number (ℝ_≥0)

Distinct count	12
Unique (%)	0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	1.922837082
Minimum	0.6931471806
Maximum	2.564949357
Zeros	0
Zeros (%)	0.0%
Memory size	78.2 KiB

Quantile statistics

Minimum	0.6931471806
5-th percentile	0.6931471806
Q1	1.609437912
median	2.079441542
Q3	2.397895273
95-th percentile	2.564949357
Maximum	2.564949357
Range	1.871802177
Interquartile range (IQR)	0.7884573604

Descriptive statistics

Standard deviation	0.5751904668
Coefficient of variation (CV)	0.2991363502
Kurtosis	-0.4315473294
Mean	1.922837082
Median Absolute Deviation (MAD)	0.4787928656
Skewness	-0.8413490009
Sum	19228.37082
Variance	0.3308440731

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[0.69314718 0.89587973 1.24245332 1.49786614 1.70059869 ... 2.13833306 2.24990484 2.35024018 2.524928 2.56494936], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
2.397895273	1057	10.6%
2.48490665	999	10.0%
2.564949357	972	9.7%
2.302585093	923	9.2%
0.6931471806	904	9.0%
2.197224577	794	7.9%
2.079441542	771	7.7%
1.945910149	740	7.4%
1.791759469	740	7.4%
1.098612289	728	7.3%
Other values (2)	1372	13.7%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0.6931471806	904	9.0%
1.098612289	728	7.3%
1.386294361	696	7.0%
1.609437912	676	6.8%
1.791759469	740	7.4%

Value	Count	Frequency (%)
2.564949357	972	9.7%
2.48490665	999	10.0%
2.397895273	1057	10.6%
2.302585093	923	9.2%
2.197224577	794	7.9%

Pearson's r

The Pearson's correlation coefficient (r) is a measure of linear correlation between two variables. It's value lies between -1 and +1, -1 indicating total negative linear correlation, 0 indicating no linear correlation and 1 indicating total positive linear correlation. Furthermore, r is invariant under separate changes in location and scale of the two variables, implying that for a linear function the angle to the x-axis does not affect r.

To calculate r for two variables X and Y, one divides the covariance of X and Y by the product of their standard deviations.

Spearman's ρ

The Spearman's rank correlation coefficient (ρ) is a measure of monotonic correlation between two variables, and is therefore better in catching nonlinear monotonic correlations than Pearson's r. It's value lies between -1 and +1, -1 indicating total negative monotonic correlation, 0 indicating no monotonic correlation and 1 indicating total positive monotonic correlation.

To calculate ρ for two variables X and Y, one divides the covariance of the rank variables of X and Y by the product of their standard deviations.

Kendall's τ

Similarly to Spearman's rank correlation coefficient, the Kendall rank correlation coefficient (τ) measures ordinal association between two variables. It's value lies between -1 and +1, -1 indicating total negative correlation, 0 indicating no correlation and 1 indicating total positive correlation.

To calculate τ for two variables X and Y, one determines the number of concordant and discordant pairs of observations. τ is given by the number of concordant pairs minus the discordant pairs divided by the total number of pairs.

Count
Matrix

First rows

	emp_length	home_ownership	annual_inc	verification_status	pymnt_plan	purpose_cat	addr_state	debt_to_income	delinq_2yrs	inq_last_6mths	mths_since_last_delinq	mths_since_last_record	open_acc	revol_bal	revol_util	total_acc	initial_list_status	mths_since_last_major_derog	policy_code	cr_line_yrs	cr_line_mths
0	2.397895	mortgage	10.819798	not verified	n	medical	tx	10.87	0.000000	0.000000	0.000000	4.787492	2.772589	9.399969	12.1	3.806662	f	0.693147	pc4	7.597396	2.564949
1	0.693147	rent	10.576866	not verified	n	debt consolidation	ks	9.15	0.000000	1.098612	0.000000	4.787492	1.609438	9.221775	64.0	1.791759	f	1.098612	pc1	7.603898	2.484907
2	1.609438	rent	11.082158	not verified	n	credit card	ca	11.24	0.000000	0.000000	0.000000	4.787492	1.609438	4.406719	0.6	2.197225	f	1.386294	pc4	7.586296	1.945910
3	2.397895	mortgage	10.959558	not verified	n	debt consolidation	ny	6.18	0.693147	0.000000	2.833213	4.787492	1.945910	9.213436	37.1	3.178054	f	1.098612	pc2	7.592366	2.302585
4	2.397895	mortgage	10.819878	verified - income	n	debt consolidation	oh	19.03	0.000000	1.609438	0.000000	4.787492	2.197225	9.281823	40.4	3.091042	f	1.386294	pc3	7.600902	2.397895
5	1.609438	rent	10.758520	verified - income	n	other	dc	7.83	1.098612	0.693147	2.995732	4.787492	1.945910	7.447751	26.4	3.258097	f	1.386294	pc3	7.600902	2.564949
6	2.397895	mortgage	11.744045	not verified	n	credit card	ny	14.28	0.000000	0.000000	0.000000	4.787492	2.944439	8.606485	11.1	3.401197	f	1.386294	pc1	7.590852	2.484907
7	1.945910	mortgage	10.645449	verified - income source	n	debt consolidation	nv	10.29	0.000000	0.000000	0.000000	4.787492	2.302585	9.245225	95.9	2.397895	f	1.386294	pc3	7.604396	1.609438
8	1.098612	mortgage	10.819798	verified - income	n	debt consolidation	il	15.36	0.000000	1.098612	0.000000	4.787492	2.484907	9.886494	59.2	3.332205	f	0.693147	pc5	7.601902	1.098612
9	0.693147	rent	10.596660	not verified	n	car	ca	6.48	0.000000	0.693147	0.000000	4.787492	2.484907	9.903438	18.3	3.178054	f	0.693147	pc5	7.598900	1.791759

Last rows

	is_bad	emp_length	home_ownership	annual_inc	verification_status	pymnt_plan	purpose_cat	addr_state	debt_to_income	delinq_2yrs	inq_last_6mths	mths_since_last_delinq	mths_since_last_record	open_acc	pub_rec	revol_bal	revol_util	total_acc	initial_list_status	mths_since_last_major_derog	policy_code	cr_line_yrs	cr_line_mths
9990	0	2.397895	mortgage	11.695255	verified - income	n	home improvement	mi	14.44	0.693147	0.000000	1.609438	4.787492	2.708050	0.000000	9.596759	59.8	3.465736	f	1.098612	pc2	7.598399	1.098612
9991	0	2.397895	rent	11.050906	verified - income source	n	medical	ma	10.08	0.000000	0.000000	0.000000	4.787492	1.945910	0.000000	4.110874	1.1	3.135494	f	1.386294	pc1	7.595890	1.791759
9992	0	2.397895	rent	10.859018	verified - income	n	debt consolidation	ny	23.70	0.000000	0.000000	4.262680	4.787492	2.197225	0.000000	9.616005	91.5	2.944439	f	1.098612	pc5	7.600402	2.197225
9993	0	2.397895	own	11.470988	verified - income	n	home improvement	ny	8.70	0.000000	1.098612	0.000000	4.787492	1.386294	0.000000	7.668561	30.6	2.079442	f	1.386294	pc5	7.598900	2.079442
9994	1	0.693147	rent	10.126511	verified - income source	n	debt consolidation	ca	3.79	0.000000	0.000000	0.000000	4.787492	1.098612	0.000000	8.476788	56.5	2.079442	f	0.693147	pc1	7.603898	2.197225
9995	0	1.791759	mortgage	11.101206	verified - income	n	wedding	ma	9.40	0.000000	0.693147	0.000000	4.787492	2.197225	0.000000	8.204398	24.1	2.397895	f	1.098612	pc3	7.601902	2.302585
9996	0	0.693147	rent	10.165890	verified - income source	n	debt consolidation	ny	20.49	0.000000	0.693147	4.382027	4.787492	2.197225	0.000000	8.811354	58.9	2.564949	f	1.098612	pc3	7.601402	1.791759
9997	0	2.197225	rent	10.775450	not verified	n	debt consolidation	nj	24.13	0.000000	0.000000	0.000000	4.718499	2.302585	0.693147	9.336709	60.7	2.890372	f	1.386294	pc3	7.595890	2.564949
9998	0	1.945910	mortgage	11.156265	not verified	n	major purchase	va	16.18	1.098612	1.098612	2.833213	4.787492	2.302585	0.000000	9.750220	50.9	3.332205	f	1.098612	pc3	7.600902	1.386294
9999	0	0.693147	rent	11.164233	not verified	n	credit card	ca	16.13	0.000000	0.693147	3.988984	4.787492	2.772589	0.000000	7.742836	22.6	3.555348	f	1.098612	pc5	7.601402	2.302585

Overview

Variables

Interactions

Correlations

Pearson's r

Spearman's ρ

Kendall's τ

Missing values

Sample

First rows

Last rows